Sikuti sitinaphunzire momwe tingapezere ndalama. Azimayi amamvera zochitika zakale za khalidwe, choncho vuto la ndalama likupezeka m'maganizo a psychology.
Zolakwika za azimayi
1. Zonse zachuma zomwe mumasintha kwa mwamuna
Kuyambira ubwana, timauzidwa kuti mwamuna ndi wopeza, ndipo mkazi ndi wophika, wosunga nyumba, mkazi wokonda ndi wokoma mtima amene amaletsa ana. Chitsanzo chofanana ndi ichi: Mkazi amabereka mwana, amakhala mu chigamulo kwa zaka zitatu, amabereka mwana wachiwiri, zaka zina zitatu zidutsa, ndipo motero, kwa zaka 6 mkazi adataya mwayi wake monga katswiri. Ndipo banja lake linkachita zambiri, limakhala ndi ngongole, ankatenga ngongole ya nyumba, ngongole ya ogula ntchito yokonzanso, ngongole ziwiri za galimoto. Koma zimakhala kuti mwiniwake adayamba kukhala ndi mwamuna wake, malipiro amachepetsedwa ndi theka, ndipo mkazi sangathe kupeza ntchito patapita zaka zisanu ndi ziwiri. Ndipo ngati mkaziyo anali ndi kulemba kwachuma, sakanalola izi, akanakhala wophunzira yekha, osataya ziyeneretso zake, adzakhazikitsa "malo osungirako" m'tsogolo, patsogolo pa ngongole yotha, chifukwa adadziwa kuti ali ndi gwero limodzi la ndalama, ndipo khalani pangozi.
2. Sangathe kudziwa zolinga
Ngati mupempha munthu chuma kapena umoyo wabwino, ndiye aliyense adzayankha funsoli mwa njira yake. Zina zabwino zitha kupezeka, zomwe munthu ayenera kuyesetsa, ichi chidzakhala choyamba kuti akhale wodziimira payekha.
3. Musamakhulupirire zambiri
Pokwaniritsa zolinga, mkazi ayenera kudalira nzeru zake, amakula bwino kuposa amuna. Ayenera kuphunzira kuti amvetsere ndipo akukuuzani choti muchite. Musawope kukana pamene mupemphedwa kubwereka ku malipiro, kotero kuti kumapeto kwa mweziwo simudzakhala ndi dzanja lotambasula.
4. Mumaiwala za thanzi lanu komanso nokha
Ichi ndi kulakwitsa kwakukulu, muyenera kupita kwa dokotala nthawi, kupita ku masewera olimbitsa thupi, kupita kutchuthi, kupeza nthawi yapadera yomwe mumakonda. Tengani nokha malamulowo ndi malipiro onse kuti mupulumutse pantchito, pangani moyo wanu.
Pano pali chitsanzo cha moyo. Mkazi wina wa zaka 45 yekha amaletsa mwana wamkazi wazaka 10. Kugwira ntchito mu boma kwa zaka 15, ntchito yabwino komanso yakhazikika. Koma chifukwa cha kulemetsa nthawi zonse kuntchito, thanzi lake likuwonongeka, chifukwa panthaŵi ina panalibe nthawi yopita kwa dokotala, mpaka panali matenda a mtima. Liwu lachilendo lalitali, ndalama kuti atenge ndalama zamoyo, ankayenera kusinthanitsa nyumba ku nyumba yaing'ono, amayenera kugulitsa galimotoyo. Ngati mkaziyu anali ndi ndalama zosayembekezeredwa kuti azikhala ndi inshuwalansi ya moyo, ndiye kuti mukanatha kupewa izi.
5. Mulibe ndalama zanu
Akazi ali ndi zovuta kwambiri - ali ndi nkhawa za aliyense, koma osati za iwo okha. Muyenera kukhala ndi stash yofunikira, izi ndizo ndalama zanu zamwezi, zowonjezeredwa ndi zitatu, izi ndi zofunika kwambiri. Ngati banja lanu likugwiritsa ntchito rubles 50,000 pamwezi, ndiye stash, ayenera kukhala 150,000 rubles. Simukusowa kusungira ndalama zanu panyumba, chifukwa zimayesetsanso kugwiritsa ntchito ndalamazo, ndipo mukuyenera kuziyika ku banki pa chikhomo chobwezeretsanso, kuti mutha kuchotsa ndalama popanda kutaya chiwongoladzanja.
Mkazi aliyense, kuti asapitirize kusweka (chikwati chingawonongeke, ana amakula), ayenera kukhala nacho chokhachokha kwa zaka 60, kotero kuti chikhale ndi moyo wabwino ndipo sichidalira boma, ndipo palibe wina aliyense. Koma nthawi zambiri pali amayi otere omwe, popereka ndalama zawo, amapereka ndalama kwa ana akuluakulu ndi zidzukulu, pomwe alibe ndalama zawo.
6. Kupanga maganizo ndi kuthetsa zovuta zogula zamagetsi
Kawirikawiri, akazi, akugula malonda, amapita malire a ngongole. Musanapite ku sitolo, pezani mndandanda wa masitolo, musafulumire kugawana ndi ndalama ngati mtengo wogula uli oposa $ 100. Ganizani ngati mukufuna kapena ayi. Asanafike maholide, pezani ndalama za ndalama zochepa kapena bajeti yoyenera ndipo musatulukemo.
Malamulo azachuma a mkazi wanzeru
- Pangani zolinga musanagwire ntchito. Ziyenera kumveka mwa mtengo ndi nthawi.
- Chifukwa cha ndalama zomwe simukuziyembekezerapo, pangani ndalama, ndalamazo zikhale zofanana ndi ndalama zomwe mumagwiritsa mwezi uliwonse, zomwe zikuwonjezeka ndi 3.
- Musagwiritse ntchito zambiri kuposa ndalama zanu. Musanapereke ngongole, tchulani malipiro ambiri. Kodi mwakonzeka kupereka banki kawiri ndalama zambiri zomwe mwatenga?
- Onetsetsani ndalama ndi ndalama, pulogalamu ya pakompyuta yowerengera ndalama.
- Pempherani inshuwalansi kuti muteteze kuopsa koopsa - thanzi, moyo, inshuwalansi ya katundu. Kuti muteteze ku ndalama zazikulu, khalani ndi malire omwe mungagwiritse ntchito masana.